ROBERT
ActiveROBERT has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18.87M and a net result of €739k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 3251 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+4
Solvency100=
Growth22=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.8M at 30 days acceptable
Liquidity ample (current ratio 5.38 against 6.1 in 2024), and 17.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.1%
Return on assets
3.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
5 d early
2022
4 d early
2021
24 d early
2020
17 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€5.64M▼ 2.8%
2022 · €5.80M
2018: €12.40M
2019: €9.29M
2020: €4.82M
2021: €6.07M
2022: €5.80M
2018 → 2023
EBIT margin
2.3%▲ 13.0pp
2022 · -10.8%
2018: 22.8%
2019: 27.5%
2020: -28.0%
2021: 2.1%
2022: -10.8%
2018 → 2023
Net result
€739k▲ 30.1%
2024 · €568k
2018: €2.02M
2019: €1.86M
2020: €-1.26M
2021: €144k
2022: €-520k
2023: €142k
2024: €568k
2018 → 2025
Working capital
€17.86M▲ 3.9%
2024 · €17.20M
2018: €23.96M
2019: €25.79M
2020: €24.32M
2021: €24.49M
2022: €16.35M
2023: €16.53M
2024: €17.20M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€6.07M-€5.80M▼ 4.5%€5.64M▼ 2.8%
Equity€25.73M-€17.42M▼ 32.3%€17.57M▲ 0.8%€18.13M▲ 3.2%€18.87M▲ 4.1%
Operating result€130k-€-624k€128k€519k▲ 306%€689k▲ 32.6%
Net result€144k-€-520k€142k€568k▲ 301%€739k▲ 30.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 33% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23.00M
Fixed assets
€1.06M▲ 6.5%
Current assets
€21.94M▲ 6.7%
Equity and liabilities €23.00M
Equity
€18.87M▲ 4.1%
Debt
€4.13M▲ 20.2%
The debt ratio rises from 15.9% to 17.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€764k▲
2024 · €616k
Cash flow
€814k▲
2024 · €664k
Solvency
82.1%▼
2024 · 84.1%
Current ratio
5.38▼
2024 · 6.10
Quick ratio
5.38▼
2024 · 6.10
Debt / equity
0.22▲
2024 · 0.19
ROE
3.9%▲
2024 · 3.1%
ROA
3.2%▲
2024 · 2.6%
Interest coverage
230.51▼
2024 · 318.15
Debt
€4.13M▲
2024 · €3.43M
Debt ≤ 1 year
€4.08M▲
2024 · €3.37M
Income taxes
€23k▲
2024 · €1k
Staff costs
€1.64M▼
2024 · €1.77M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€21.56M€23.00M▲
Fixed assets21/28€993k€1.06M▲
Intangible fixed assets21€7k€3k▼
Tangible fixed assets22/27€179k€247k▲
Furniture and vehicles24€146k€221k▲
Other tangible fixed assets26€33k€27k▼
Financial fixed assets28€807k€807k=
Current assets29/58€20.57M€21.94M▲
Amounts receivable within one year40/41€18.60M€19.42M▲
Trade receivables40€18.11M€18.85M▲
Other amounts receivable41€482k€568k▲
Cash at bank and in hand54/58€1.94M€2.51M▲
Deferred charges and accrued income490/1€35k€8k▼
Equity and liabilities
Total equity and liabilities10/49€21.56M€23.00M▲
Equity10/15€18.13M€18.87M▲
Contributions10/11€19k€19k=
Reserves13€18.11M€18.85M▲
Distributable reserves133€18.11M€18.85M▲
Amounts payable17/49€3.43M€4.13M▲
Amounts payable within one year42/48€3.37M€4.08M▲
Trade debts44€264k€569k▲
Suppliers440/4€264k€569k▲
Advances received on contracts in progress46€1.49M€1.91M▲
Taxes, remuneration and social security45€251k€286k▲
Taxes450/3€65k€107k▲
Remuneration and social security454/9€185k€180k▼
Other amounts payable47/48€1.37M€1.31M▼
Accrued charges and deferred income492/3€58k€50k▼
Income statement
Code20242025
Non-recurring operating income76A€164€3k▲
Remuneration, social security and pensions62€1.77M€1.64M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€97k€75k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-187k€128k▲
Other operating charges640/8€8k€30k▲
Non-recurring operating charges66A-€92
Gross operating margin9900€2.21M€2.56M▲
Operating profit (loss)9901€519k€689k▲
Financial income75/76B€52k€76k▲
Recurring financial income75€44k€68k▲
Non-recurring financial income76B€8k€8k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€569k€761k▲
Income taxes67/77€1k€23k▲
Profit (loss) for the period9904€568k€739k▲
Transfer from tax-exempt reserves789€421k-
Profit (loss) for the period to be appropriated9905€989k€739k▼
Appropriation of the result
Profit (loss) to be appropriated9906€989k€739k▼
Transfer to equity691/2€989k€739k▼
To other reserves6921€989k€739k▼
Social balance
Average headcount (FTE)908733.527.8▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €142k
Net result €142k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €144k
Net result €144k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-1.26M ▼168%
Net result drops to €-1.26M, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity doublescurrent ratio 23.91
Current ratio from 9.88 to 23.91; short-term debt falls from €2.70M to €1.13M.
31-12
Financial
Equity above €25MEq €26.84M ▲7.4%
2 profitable years in a row build equity to €26.84M.
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ukkel · 2 establishment units since 1989
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vanderkinderestraat 2721180 UkkelGround area
2,426 m²
Building footprint
871 m²
Volume, LiDAR
1,518 m³
2 parcels, Brussels, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Vanderkinderestraat 272, 1180 Ukkel
since 19892.229.148.486
Rue de l'Artisanat 2, 1400 Nivelles
since 20072.229.149.179
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25099A0002/00G000 | Wallonia | 2,244 m² | 1 · 688 m² | - |
| 21618B0277/00F027 | Brussels | 182 m² | 1 · 182 m² | 14.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MODERO
BE 0474.215.974
Antwerpen · Eq €19.13M
André
BE 0474.193.507
Antwerpen · Eq €22.78M
ALTERIUS
BE 0460.288.556
Charleroi · Eq €11.51M
Etude Bordet, Huissiers de Justice
BE 0478.382.719
Liège · Eq €9.40M
FIMASTER
BE 0810.608.214
Fléron · Eq €8.47M
Of 1,018 companies in sector 69103 we hold annual accounts for 610. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-1989
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
74113
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.